Here’s another excellent reason to toss out the credit card this holiday season– Sears Layaway! I am thrilled to see Sears taking up the LayAway system. This is a great way to reserve the things you see on sale and NOT have to use the credit card and NOT have to pay interest on the card. This is a great discipline, and it’s a terrific way to save money because you are able to take advantage of sales, instantly.
Here’s how the Sears LayAway works– from now until December 22, 2008, you can reserve certain items for a down payment (and it must be in cash) of $15 or 20%. You can reserve pretty much anything from the store except for home electronics, home appliances, pool chemicals, automotive merchandise, etc– see the website or go to your local store for details. You bring your items to the register and make the down payment. The store will reserve your items until you pay for them, by December 23, 2008. If you cancel your LayAway, there is a small cancellation fee, so shop wisely.
I really like the LayAway system. It’s an interest-free way to nab sale items. I buy Craftsman tools from Sears and this is a great time to get deals on stuff like that– they have a very nice Craftsman C3 19.2 volt on sale that would be perfect for my young son. Craftsman is the best quality, IMHO. : D (I tend to get practical gifts for the kids, like the Lego bedding/comforter set for my youngest, and the very classy and durable Land’s End bed sets for the girls).
So check out the LayAway at Sears! It’s a great place to get high quality goods and it’s a great place to shop without the credit cards this year!
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March 19th, 2009 at 11:30 pm
Great post, thanks for the info